We used to find the overspend on the client invoice. Now Kestrel pings me when a card hits 80%, and I fix it the same afternoon.
−23%
paid-media overspend
$4.1M
yearly card volume
Give every client its own card and budget. Kestrel collects the receipts, routes approvals to the right lead, and books it all into Xero before your Monday standup.
Finance leads at 1,400+ agencies close the month with Kestrel
Most agencies find out a retainer went over budget when the invoice is already sent. Kestrel moves that moment to the swipe.
Issue a virtual card in eight seconds. Set a monthly limit, lock it to Google Ads or Meta, and freeze it when the retainer ends.
Under $500 goes through. Above that, the account lead decides from Slack.
Forward the email, snap the paper, or let us pull it from Gmail.
Two-way sync with tracking categories mapped to your clients.
Based on a survey of 214 customer workspaces, July 2026.
Interchange pays for the cards. You pay for the people who manage them.
For studios under 10 people getting off shared cards.
Client budgets, approvals and accounting sync.
Multi-entity agencies and holding groups.
Still unsure? Email the team. A human answers within a working day.
No. Kestrel is a finance software company. Cards are issued by our banking partner and funds are held in FDIC-insured accounts at that partner.
Yes. On Growth and Scale you can fund a client card from a dedicated account, so pass-through spend never mixes with your operating cash.
Most agencies issue their first card the same day. Xero sync and tracking categories take about 20 minutes with a specialist on a call.
Keep them as long as you want. Many customers run both for a month, then move recurring subscriptions over with our card-switch checklist.